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Bonsai vs Xero: 2026 Comparison
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Features
- Bonsai has everything you need to run a freelancer or small business operation all in the same UI, without having to add apps or move into different interfaces.
- They are not scaling to support that type of customer, and it’s too easy for them to find new ways to grab more money for the same or fewer features, some of which don’t work.
- Even though Xero lack global enterprises accounting features it has a robust integration capability that allows me to connect with external tools such as SAP Concur.
- It is not great for multi-company businesses as you cannot be logged into more than 1 at once, you have to chop and change between them and to make intercompany transactions, you need to post separately in both entities.
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Recommendations

